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We're on the waiting list for a CCRC in Montecito, CA that has a flat rate for care levels from independent through assisted living to skilled nursing care. You need to pass a physical when entering to qualify for independent living. The grounds are beautiful and the dining fine -- it's where Julia Child spent her final years. And the periodic soirees with cocktails and jazz trio encourage socialization. It is a bit pricy, though.

My mother died at 101, enjoying life in a CCRC in Santa Barbara, but the increases in pricing from independent living through assisted care to skill nursing were steep, making financial planning more difficult.
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